Is employer sponsored life insurance cheaper than buying a term life policy independently when you factor in administrative fees and my current age bracket
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is employer sponsored life insurance cheaper than buying a term life policy independently when you factor in administrative fees and my current age bracket
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 1 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
employer group life insurance employee cost age-banded premiums portability individual term life comparison administrative fees Google ↗
NAIC group life insurance employer coverage portability conversion individual term life consumer guidance Google ↗
- 2026 Publication 15-B · irs.gov
- NC OSHR: NCFlex: Group Term Life Plan · oshr.nc.gov
- Life Insurance Guide · insurance.ca.gov
- Life Insurance: Who's Depending on You? · michigan.gov
- Insurance Topics | Life Insurance · content.naic.org
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
employer group life insurance employee cost age-banded premiums portability individual term life comparison administrative fees OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
NAIC group life insurance employer coverage portability conversion individual term life consumer guidance OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |